Elements Financial Federal Credit Union
Elements Financial Federal Credit Union received 1,994 applications in 2025 and made 1,409 mortgages, in 266 counties across 41 states. The median rate its borrowers got was 6.125% on a median loan of $215,000. Of 1,697 decisions, 267 were denials — 15.7%, most often for debt-to-income ratio.
| Legal Entity Identifier | 549300NZWZUYUWEOA562 |
|---|---|
| Applications received | 1,994 |
| Mortgages made | 1,409 |
| Denied | 267 |
| Approved, not taken up | 21 |
| Withdrawn or incomplete | 297 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | -0.166 points |
| FDIC-insured bank | This lender is not an FDIC-insured bank under this name: a mortgage company, a credit union, or a bank filing under another name. |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 664 | 6.375% | $315,000 | 4.4% |
| Refinancing | 45 | 6.625% | $215,000 | 17.9% |
| Cash-out refinancing | 250 | 7.500% | $155,000 | 18.3% |
| Other purposes | 450 | 3.990% | $95,000 | 27.0% |
Where Elements Financial Federal Credit Union lends most
The 50 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Marion County, IN | 439 | 6.250% | 13.2% |
| Hamilton County, IN | 308 | 6.125% | 11.4% |
| Hendricks County, IN | 136 | 6.063% | 6.2% |
| Johnson County, IN | 76 | 6.250% | 15.4% |
| Boone County, IN | 51 | 6.500% | 11.9% |
| Hancock County, IN | 45 | 5.625% | 14.8% |
| Morgan County, IN | 29 | 6.500% | 25.0% |
| Madison County, IN | 17 | 5.750% | 10.0% |
| Tippecanoe County, IN | 15 | 6.375% | 16.7% |
| Monroe County, IN | 13 | 6.375% | 7.1% |
| Putnam County, IN | 8 | Under 10 loans | 20.0% |
| Brown County, IN | 6 | Under 10 loans | 0.0% |
| Vigo County, IN | 6 | Under 10 loans | 0.0% |
| Lee County, FL | 5 | Under 10 loans | 16.7% |
| Mecklenburg County, NC | 5 | Under 10 loans | 14.3% |
| Cook County, IL | 4 | Under 10 loans | 16.7% |
| Bartholomew County, IN | 4 | Under 10 loans | 0.0% |
| Howard County, IN | 4 | Under 10 loans | 0.0% |
| Vermillion County, IN | 4 | Under 10 loans | 20.0% |
| Wake County, NC | 4 | Under 10 loans | 0.0% |
| Greenville County, SC | 4 | Under 10 loans | 0.0% |
| Harris County, TX | 4 | Under 10 loans | 33.3% |
| Arapahoe County, CO | 3 | Under 10 loans | 0.0% |
| Lake County, IL | 3 | Under 10 loans | 0.0% |
| Allen County, IN | 3 | Under 10 loans | 0.0% |
| Decatur County, IN | 3 | Under 10 loans | 0.0% |
| Delaware County, IN | 3 | Under 10 loans | 0.0% |
| Lake County, IN | 3 | Under 10 loans | 0.0% |
| Montgomery County, IN | 3 | Under 10 loans | 25.0% |
| St. Joseph County, IN | 3 | Under 10 loans | 0.0% |
| Shelby County, IN | 3 | Under 10 loans | 0.0% |
| Clark County, NV | 3 | Under 10 loans | 0.0% |
| Rockingham County, NH | 3 | Under 10 loans | 0.0% |
| Maricopa County, AZ | 2 | Under 10 loans | 0.0% |
| San Diego County, CA | 2 | Under 10 loans | 0.0% |
| Adams County, CO | 2 | Under 10 loans | 0.0% |
| Boulder County, CO | 2 | Under 10 loans | 0.0% |
| El Paso County, CO | 2 | Under 10 loans | 80.0% |
| Larimer County, CO | 2 | Under 10 loans | 0.0% |
| Teller County, CO | 2 | Under 10 loans | 0.0% |
| Brevard County, FL | 2 | Under 10 loans | 0.0% |
| Broward County, FL | 2 | Under 10 loans | 0.0% |
| Charlotte County, FL | 2 | Under 10 loans | 0.0% |
| Hillsborough County, FL | 2 | Under 10 loans | 33.3% |
| Orange County, FL | 2 | Under 10 loans | 33.3% |
| Volusia County, FL | 2 | Under 10 loans | 0.0% |
| Paulding County, GA | 2 | Under 10 loans | 0.0% |
| DuPage County, IL | 2 | Under 10 loans | 33.3% |
| Kane County, IL | 2 | Under 10 loans | 0.0% |
| Clinton County, IN | 2 | Under 10 loans | 33.3% |
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.